Excess Casualty Coverage and Insurance

What Excess Casualty and Commercial Umbrella Insurance Covers:

• Lead umbrella and excess liability coverage
• $25 million in capacity
• Coverage offered through our A/B Umbrella form
• Crisis management services expenses coverage automatically included in our A/B Umbrella form at no additional cost
• Ability to provide coverage on a worldwide basis
• Ability to provide umbrella/excess coverage of aircraft, foreign, personal umbrella liability; miscellaneous professional liability; and media liability for printers, publishers, broadcasters
• Most-favored jurisdiction endorsement – provides admitted coverage for punitive damages
• Ability to write admitted and non-admitted policies*

Excess Liability Insurance vs. Commercial Umbrella Insurance

What is the difference between umbrella insurance and excess liability insurance? The two coverages are often confused, but there are important distinctions between the two.

• Umbrella insurance provides higher coverage limits for your primary policies in addition to covering exposure gaps in those policies.
• Excess liability insurance serves as an extra layer of protection for losses in excess of your primary and umbrella policy limits but does not provide broader coverage beyond those underlying policies.

Having both commercial umbrella and excess liability coverage may be an important consideration for your organization’s risk management plan. Consult with your Travelers agent for details.

*Coverage is underwritten by Travelers Excess and Surplus Lines Company, a subsidiary of Travelers. Travelers Excess and Surplus Lines Company is a U.S.-based surplus lines insurer, and the information in this document is provided for general informational purposes and does not constitute an offer to sell or a solicitation.